Those who chose not to engage in online banking activities of any kind and those who chose not to pay bills through their bank's web site cited security concerns as a reason for not using online banking features to the fullest. Generally speaking, online banking through your financial institution is as secure as you can get. In comparison, while many dedicated online software applications available on non-banking websites offered by (such as Mvelopes and other online financial software) and Internet-based services in desktop personal finance software offer this same level of security, not all do. The banking customer, have great advantages when using online banking and bill payment. You can easily move on if you are not happy with your current bank. The current online banking environment offers free account set up, low minimum balances and other perks, so switching banks is generally easy and cheap or free. Online banking knows no geographical constraints, making your bank's physical location practically irrelevant. You no longer need to rely solely on local banking services.